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The Senior Financial Underwriter computes rates for both renewing and prospective moderate to complex group Dental and Vision accounts. You will complete work assignments involving moderately complex to complex issues where the analysis of situations or data requires an in-depth evaluation of variable factors.

The Senior Financial Underwriter reports to the Manager, Financial Underwriting. You will prepare a variety of financial reports for large accounts and provides rationale and support to other areas within the organization and to clients regarding rate computations and financial activity. You will provide expense estimates and accurate analysis of financial exhibits. You will influence department’s strategy. You will make decisions on moderately complex to complex issues regarding technical approach for project components, and work is performed without direction. You will exercise considerable latitude in determining objectives and approaches to assignments.

• Recommends and communicates products, and competitive pricing to meet customer requirements.

• Reviews contracts and certificates, working with Product and Compliance areas to evaluate ability to match plans for takeover.

• Has strong knowledge of manual rating systems as well as how to utilize experience, provider and management reporting data in making pricing decisions.

• Negotiates with Sales and Account Management as needed in preparing offers for new and existing business.  May connect with agents/brokers and clients as needed, to resolve risk, plan and rating concerns.

• Responsible for administrative processing of cases, utilizing various UW tools, systems and databases to complete evaluations.

• Effective documentation and communication of UW decisions.

• Demonstrates strong time, organizational and desk management

• Provides mentoring/coaching in development of technical skills of others, supporting the growth of the team.  Conducts training for sales and/or underwriting staff as needed.

• Participates in project work to develop or improve underwriting processes.

Use your skills to make an impact
 

Required Qualifications

• Bachelor's degree or comparable experience

• 5 or more years of underwriting Dental and Vision experience rated groups, and financial analysis/risk analysis experience

• Comprehensive understanding of risk pool management

• Proficiency with Microsoft Word, Excel and Access

Preferred Qualifications

• Master's Degree

• Experience with other lines of group coverage, such as Life and Disability benefits

Additional Information

This is a remote position.

Work At Home / Internet Information: To ensure Home or Hybrid Home/Office employees' ability to work effectively, the self-provided internet service of Home or Hybrid Home/Office employees must meet the following criteria:

• At minimum, a download speed of 25 Mbps and an upload speed of 10 Mbps is recommended; wireless, wired cable or DSL connection is suggested

• Satellite, cellular and microwave connection can be used only if approved by leadership

• Employees who live and work from Home in the state of California, Illinois, Montana, or South Dakota will be provided a bi-weekly payment for their internet expense.

• Humana will provide Home or Hybrid Home/Office employees with telephone equipment appropriate to meet the business requirements for their position/job.

• Work from a dedicated space lacking ongoing interruptions to protect member PHI / HIPAA information

SSN Alert: Humana values personal identity protection. Please be aware that applicants may be asked to provide their Social Security Number, if it is not already on file. When required, an email will be sent from Humana@myworkday.com with instructions on how to add the information into your official application on Humana's secure website.

Travel: While this is a remote position, occasional travel to Humana's offices for training or meetings may be required.

Scheduled Weekly Hours

40

Pay Range

The compensation range below reflects a good faith estimate of starting base pay for full time (40 hours per week) employment at the time of posting. The pay range may be higher or lower based on geographic location and individual pay will vary based on demonstrated job related skills, knowledge, experience, education, certifications, etc.

 

$78,400 - $107,800 per year

 

This job is eligible for a bonus incentive plan. This incentive opportunity is based upon company and/or individual performance.

Description of Benefits

Humana, Inc. and its affiliated subsidiaries (collectively, “Humana”) offers competitive benefits that support whole-person well-being. Associate benefits are designed to encourage personal wellness and smart healthcare decisions for you and your family while also knowing your life extends outside of work. Among our benefits, Humana provides medical, dental and vision benefits, 401(k) retirement savings plan, time off (including paid time off, company and personal holidays, volunteer time off, paid parental and caregiver leave), short-term and long-term disability, life insurance and many other opportunities.

Application Deadline: 04-03-2026

About us
 

About Humana: Humana Inc. (NYSE: HUM) is a leading U.S. healthcare company. Through our Humana insurance services and our CenterWell healthcare services, we make it easier for the millions of people we serve to achieve their best health – delivering the care and service they need, when they need it. These efforts are leading to a better quality of life for people with Medicare and Medicaid, families, individuals, military service personnel, and communities at large. Learn more about what we offer at Humana.com and at CenterWell.com.

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Equal Opportunity Employer

It is the policy of Humana not to discriminate against any employee or applicant for employment because of race, color, religion, sex, sexual orientation, gender identity, national origin, age, marital status, genetic information, disability or protected veteran status. It is also the policy of Humana to take affirmative action, in compliance with Section 503 of the Rehabilitation Act and VEVRAA, to employ and to advance in employment individuals with disability or protected veteran status, and to base all employment decisions only on valid job requirements. This policy shall apply to all employment actions, including but not limited to recruitment, hiring, upgrading, promotion, transfer, demotion, layoff, recall, termination, rates of pay or other forms of compensation and selection for training, including apprenticeship, at all levels of employment.